UVE Stock Analysis: Universal Insurance Holdings | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 1.200m USD | 12M Return: 59.3% | US91359V1070 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.74M
EPS Trend: 81.5%
Qual. Beats: 0
Rev. Trend: 95.9%
Qual. Beats: 2
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Universal Insurance Holdings (NYSE: UVE) is a Fort Lauderdale-based insurance holding company that underwrites and distributes personal residential insurance products, including homeowners, renters/tenants, condo unit owners, and dwelling and fire coverage, along with allied lines and personal property and liability coverages. The company operates through an integrated model in which it oversees underwriting, policy administration, claims handling, actuarial analysis, and reinsurance placement on behalf of its insurance subsidiaries.
Distribution is conducted through a combination of an independent agency network, direct-to-consumer online channels, and the companys own digital insurance agency, Clovered.com. The holding company structure, with UVE owning the underwriting entities while also controlling distribution and service functions, is a common arrangement in the property and casualty insurance sector, where separate operating insurers are typically required to meet state regulatory and capital requirements.
Founded in 1990 (originally as Universal Heights, Inc., adopting its current name in January 2001) and headquartered in Florida, UVE has a geographic concentration that places meaningful weight on catastrophe-exposed lines such as homeowners, an important consideration for reinsurance strategy and underwriting results in the personal property and casualty market.
- Florida homeowners rate hikes lift net premiums written
- Reinsurance program costs pressure combined ratio
- Hurricane season catastrophe losses weigh on underwriting results
- Clovered.com direct-to-consumer agency scales digitally
| Net Income: 219.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA 5.24 > 1.0 |
| NWC/Revenue: -48.78% < 20% (prev -59.36%; Δ 10.58% < -1%) |
| CFO/TA 0.10 > 3% & CFO 344.4m > Net Income 219.9m |
| Net Debt (-606.0m) to EBITDA (305.6m): -1.98 < 3 |
| Current Ratio: 0.61 > 1.5 & < 3 |
| Outstanding Shares: last quarter (28.8m) vs 12m ago 0.10% < -2% |
| Gross Margin: 37.71% > 18% (prev 13.30%; Δ 24.41% > 0.5%) |
| Asset Turnover: 49.33% > 50% (prev 47.85%; Δ 1.48% > 0%) |
| Interest Coverage Ratio: 53.73 > 6 (EBIT TTM 298.5m / Interest Expense TTM 5.56m) |
| A: -0.24 (Total Current Assets 1.25b - Total Current Liabilities 2.04b) / Total Assets 3.31b |
| B: 0.26 (Retained Earnings 861.6m / Total Assets 3.31b) |
| C: 0.09 (EBIT TTM 298.5m / Avg Total Assets 3.29b) |
| D: 0.24 (Book Value of Equity 637.2m / Total Liabilities 2.67b) |
| Altman-Z'' = 0.14 = B |
| DSRI: 0.17 (Receivables 85.5m/474.6m, Revenue 1.62b/1.57b) |
| GMI: 0.35 (GM 13.30% / 37.71%) |
| AQI: 1.34 (AQ_t 0.61 / AQ_t-1 0.45) |
| SGI: 1.04 (Revenue 1.62b / 1.57b) |
| TATA: -0.04 (NI 219.9m - CFO 344.4m) / TA 3.31b) |
| Beneish M = -4.07 (Cap -4..+1) = AAA |
As of October 09, 2026, the stock is trading at USD 46.97 with a total of 356,046 shares traded. Over the past week, the price has changed by +8.90%, over one month by +6.99%, over three months by +12.89% and over the past year by +59.27%.
Current recommended Stop Loss: 45.50 (which is 3.1% or 1.3 ATR below the current price).
Universal Insurance Holdings has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold UVE.
- StrongBuy: 0
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 45 | -4.2% |
P/E Trailing = 5.5295
P/E Forward = 9.98
P/S = 0.7366
P/B = 1.8551
Revenue TTM = 1.62b USD
EBIT TTM = 298.5m USD
EBITDA TTM = 305.6m USD
Long Term Debt = 97.9m USD (from longTermDebt, last quarter)
Short Term Debt = 101.1m USD (from shortTermDebt, last fiscal year)
Debt = 97.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -606.0m USD (calculated: Debt 97.9m - CCE 703.8m)
Enterprise Value = 594.3m USD (1.20b + Debt 97.9m - CCE 703.8m)
Interest Coverage Ratio = 53.73 (Ebit TTM 298.5m / Interest Expense TTM 5.56m)
EV/FCF = 2.54x (Enterprise Value 594.3m / FCF TTM 234.4m)
FCF Yield = 39.43% (FCF TTM 234.4m / Enterprise Value 594.3m)
FCF Margin = 14.44% (FCF TTM 234.4m / Revenue TTM 1.62b)
Net Margin = 13.55% (Net Income TTM 219.9m / Revenue TTM 1.62b)
Gross Margin = 37.71% ((Revenue TTM 1.62b - Cost of Revenue TTM 1.01b) / Revenue TTM)
Gross Margin QoQ = 42.45% (prev 41.74%)
Tobins Q-Ratio = 0.18 (Enterprise Value 594.3m / Total Assets 3.31b)
Interest Expense / Debt = 5.68% (Interest Expense 5.56m / Debt 97.9m)
Taxrate = 24.83% (72.6m / 292.5m)
NOPAT = 224.4m (EBIT 298.5m * (1 - 24.83%))
Current Ratio = 0.47 (Total Current Assets 1.25b / Total Current Liabilities 2.67b)
Debt / Equity = 0.15 (Debt 97.9m / totalStockholderEquity, last quarter 637.2m)
Debt / EBITDA = -1.98 (Net Debt -606.0m / EBITDA 305.6m)
Debt / FCF = -2.59 (Net Debt -606.0m / FCF TTM 234.4m)
Total Stockholder Equity = 567.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 6.68% (Net Income 219.9m / Total Assets 3.31b)
RoE = 38.78% (Net Income TTM 219.9m / Total Stockholder Equity 567.0m)
RoCE = 44.90% (EBIT 298.5m / Capital Employed (Equity 567.0m + L.T.Debt 97.9m))
RoIC = 6.78% (NOPAT 224.4m / Invested Capital 3.31b)
WACC = 6.08% (E(1.20b)/V(1.30b) * Re(6.23%) + D(97.9m)/V(1.30b) * Rd(5.68%) * (1-Tc(0.25)))
Discount Rate = 6.23% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -45.54 | Cagr: -0.91%
[DCF] Terminal Value 77.97% ; FCFF base≈164.8m ; Y1≈188.9m ; Y5≈278.0m
[DCF] Fair Price = 172.1 (EV 4.18b - Net Debt -606.0m = Equity 4.79b / Shares 27.8m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 81.46 | EPS CAGR: 62.90% | SUE: 0.62 | # QB: 0
Revenue Correlation: 95.94 | Revenue CAGR: 6.47% | SUE: 4.0 | # QB: 2
EPS current Quarter (2026-09-30): EPS=0.03 | Chg30d=N/A | Revisions=+25% | Analysts=1
EPS current Year (2026-12-31): EPS=5.20 | Chg30d=+9.47% | Revisions=+25% | GrowthEPS=-16.1% | GrowthRev=-0.5%
EPS next Year (2027-12-31): EPS=4.50 | Chg30d=+2.27% | Revisions=+25% | GrowthEPS=-13.5% | GrowthRev=-1.1%